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At Ricci Insurance Group, our journey is a testament to the power of community and the belief that together, we can foster significant change. Our growth, driven by referrals from clients, industry partners, friends, and family, has not only been a source of pride but also a constant reminder of the trust and support we’ve […]

Earlier this month, I had the privilege of attending American Integrity’s Power of Partnership Summit. The 40 agency partners present represented the top 3% of agents in the entire company, and the atmosphere was buzzing with collaboration and insights centered around navigating Florida’s intricate insurance market. It was an honor to participate on the panel

What is Cyber Security Insurance? Cyber security insurance, often termed “cyber risk insurance,” or, “cyber liability insurance,” safeguards businesses from losses stemming from computer or tech-related incidents. These losses can arise from events like phishing, and ransomware attacks, or the misplacement or theft of a device containing crucial data. Who Should Consider Cyber Security Insurance?

In the world of workers’ compensation insurance, there’s a term that often gets overlooked or misunderstood by many businesses: the “Workers’ Comp Dividend.” Yet, understanding this concept can provide companies with valuable financial benefits. Let’s dive in and demystify this term for better clarity. What is a Workers’ Comp Dividend? At its core, a workers’

If you are familiar with the Florida property insurance market right now, you feel the heavy truth that underwriting exceptions are like currency.

Please note that we are not saying these are “Deal Breakers,” but rather, “Curve Balls” you want to be aware of & let your insurance agent know about up front so she can place you with an appropriate carrier.   Roof Age- Options are more limited at 15+ years Wiring- Aluminum or Clothing wiring limit

The Florida property insurance market is changing, and one of the biggest shifts we have seen over the last several years is the new “industry standard” for water damage coverage for older homes (usually 30-40+ years old) changing to a “Limited Water” buy back provision.  Water damage claims have skyrocketed over the past several years

I know many Floridians who have had their docks damaged, or in some cases, destroyed, by hurricanes.  In a handful of cases, it happened multiple years in a row!  This can be a sad, frustrating, and often, very expensive situation because generally, homeowner’s insurance does not cover damage to docks during hurricanes.  I try to

One of the most common questions we get asked by our landlord clients is “What’s the difference in a DP1 Basic Policy and a DP3 Special Policy?” Below, we have created a simple chart of some of the MAIN differences.  See full policy contracts for complete comparisons.   Policy Form DP1- Basic DP3- Special Brief